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The main reason pregnancy is so expensive is because of teen mothers and illegal immigrants. You see, they don't pay a dime for the same care the rest of us have to pay for, so the rest of us end up picking up the tab, either through taxes or through inflated prices on our care. Sadly, private health insurance doesn't cover pregnancy unless it's top-dollar, and many employee health insurance plans either don't cover maternity, will only cover maternity after an extended period of coverage or will only cover part of the expenses associated with pregnancy. As an additional problem, many L&D floors in hospitals are having to close down because 90% of their patients are teenagers or illegal immigrants, so the L&D department ends up losing so much money, they have to close down.